A home warranty is a way to protect your bank account from unexpected large expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Waukee is a great place to buy a home. However, along with all the positives of homeownership, there are usually a few negatives, too. One of the biggest stressors for many homeowners is that systems and appliances can break down at any time.
Although a home warranty can help with your homeowner expenses, one issue is narrowing down the right choice for your Waukee home. That's why we've done the research and have made a list of the top home warranty plans in Waukee.
The first step in protecting your real estate investment with a home warranty is determining which provider's plan is the best for you. Consider the appliances and systems in your home you'd like coverage for and compare the plans. When figuring out which home warranty provider is the best fit for you, here are some important factors to keep in mind:
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
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A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can give you some peace of mind and guard your savings account from big out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty.
For Waukee homeowners, when a problem arises with a covered appliance or system, it is very simple to file a claim. Most home warranty providers have an online portal where a claim can be submitted. The claim is then processed, and a homeowner will pay a service fee to schedule the repair . This repair will generally occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
A home warranty plan will cover systems and appliances from normal wear . The appliances usually covered under a home warranty plan are the oven, microwave, refrigerator, dishwasher, washing machine, dryer, and more. System coverage typically includes air conditioning, water heaters, plumbing, heating systems, electrical systems, and more. The add-on coverage options can include septic system, pool, spa, roof leak, and sometimes even things like locksmith or pest control.
A Waukee home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, pre-existing conditions, and natural disasters are not covered with a Waukee home warranty.
Temperatures in Waukee can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Waukee, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Plus, having a home warranty can save you some time by eliminating the need to research contractors--most companies will send a trusted professional right to your door to do the repair or replacement.
Home warranties also have some downsides. Although it can save you time when the home warranty sends out a contractor who carries out the repair for you, some people may not like this, and they may want to choose their own contractor. If that's important to you, some home warranty plans let you choose a contractor. Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They commonly won't cover systems or appliances that have need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
Owning a home is a big responsibility that can be costly, but fruitful. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to consider before getting a policy.
Hopefully, you now feel like you can select the proper home warranty for your Waukee home. When it comes to home warranty providers in Waukee, the best overall is Choice Home Warranty. Choice Home Warranty offers home warranties with great coverage at an affordable price.
Our pick for the best overall home warranty company in Waukee is Choice Home Warranty but the perfect company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty plan covers the normal wear of systems and appliances in a home. A homeowners insurance plan protects your home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster.
Most home warranty policies have a 30-day waiting period before you can make service requests, but some may let you file sooner so make sure you check with the company about this.
A service fee is a cost that must be paid before a service technician or contractor comes to your home to repair your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty apart from the monthly premium/annual cost.